1121 Deer Moss Loop, Niceville, FL 32578 Property Records

Okaloosa County property record for 1121 Deer Moss Loop, Niceville, FL 32578

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,994 sqft · built 2019
Lot Size	0.178 acres (7,743 sqft)
Owner	2 Individual Names on Record
Last Sale	$100 (Nov 2020)
Tax Bill	$5,171 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`C56-001-099-3841-5`

Property Details

APN / Parcel Number

Primary APN	`C56-001-099-3841-5`
Alternative APNs	`11-1S-22-2001-0000-0400` `22S111200100000400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,994 sqft Living Area
Gross Area	3,374 sqft
1st Floor Area	1,994 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Roof Type	Cathedral/Clerestory
Roof Material	Wood
Lot Area	7,743 sqft (0.178 acres)
Garage Type	Attached
Garage Area	564 sqft
Porch	Florida Room
Porch Area	557 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1121 DEER MOSS LOOP
City	NICEVILLE
State	FL
Zip	32578-3428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARTFIELD AT DEER MOSS CREEK LOT 40
Legal Range	22W
Legal Township	01S
Legal Section	11
Legal Subdivision	HARTFIELD AT DEER MOSS CREEK
Legal Lot Number	40
Jurisdiction	OKALOOSA FL
Township / Civil Division	NICEVILLE-VALPARAISO
Census Block Group	2
Census Block	2001
Census Tract	20900

Owner

Source: Okaloosa County records, as of December 31, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1121 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2020	Intrafamily Transfer, Transfer · VA Mortgage PLANET HOME LENDING LLC
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BK
Nov 4, 2019	Loan Modification, Mortgage · Conventional Mortgage CENTENNIAL BK
Oct 24, 2018	Warranty Deed, Transfer · VA Mortgage CENTENNIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2020 · Amount on Record
Deed Sale	Nov 18, 2020 · Amount on Record
Prior Sale	Oct 24, 2018 · Amount on Record
Deed Document Number	20203408358
Deed Book / Page	3506 / 1604
Prior Transfer Date	Nov 6, 2020
Prior Transfer Doc	0035061604
Record Updated	Sep 20, 2026

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OKALOOSA FL
Recording Date	Nov 18, 2020
Property Address	1121 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0035061604
Book / Page	3506 / 1604
Map Reference	MB 28 PG 46-51
Instrument Date	Nov 6, 2020
Instrument	3408358
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1221 DEER NOSS LOOP, NICEVILLE, FL 32578

Mortgage

Document Number	0035061607
Date	Nov 18, 2020
Instrument	3506/1607

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OKALOOSA FL
Property Address	1121 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0034390748
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1121 DEER MOSS LOOP NICEVILLE FL 325783428, NICEVILLE, FL 32578-3428

Mortgage

Document Number	0034390748
Date	Jan 16, 2020
Book Page	003439/000748
Instrument	3331017

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 15, 2048

Interest

Rate Type	Fixed Rate
Rate	3.25%

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OKALOOSA FL
Property Address	1121 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0034273068
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1121 DEER MOSS LOOP NICEVILLE FL 325783428, NICEVILLE, FL 32578-3428

Mortgage

Document Number	0034273068
Date	Nov 6, 2019
Book Page	003427/003068
Instrument	3316392

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2049

Interest

Rate Type	Fixed Rate
Rate	3.25%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OKALOOSA FL
Recording Date	Oct 24, 2018
Property Address	1121 DEER MOSS LOOP, NICEVILLE, FL 32578-3428
Document Number	0033722050
Book / Page	3372 / 2050
Map Reference	MB28 PG46-51
Instrument Date	Oct 19, 2018
Instrument	3239602
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1003C JOHN SIMS PKWY E, 1003C, NICEVILLE, FL 32578-2712

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 CROSSWINDS LNDG UNIT 18, 18, FORT WALTON BEACH, FL 32547-7002

Mortgage

Document Number	0003239603
Date	Oct 24, 2018
Instrument	3239603

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

Source: Okaloosa County assessment roll, as of December 31, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Okaloosa County
Municipality	Niceville City
Unified School District	Okaloosa County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,171.00 (+9.67%) Homeowner's exemption Veteran's exemption	$422,331 (+5.99%)	$535,901 (-0.64%) Land $97,527 Building $438,374
2023	$4,715.00 (+4.82%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$398,475 (+3%)	$539,362 (+6.33%) Land $96,600 Building $442,762
2022	$4,498.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$386,869	$507,276 Land $92,000 Building $415,276

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 86 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	86 in force
Nearby Flood Claims	2 (1995–2012)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2012 · other causes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF NICEVILLE serves 22,243 people · EPA ID FL1460147
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	5 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LiveOak Fiber Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 35

May also be available: CenturyLink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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